Visbanking Logo
Skip to main content

The First National Bank Of Waverly

IDRSSD: 263627
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2024-Q3QoQ -11

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #263627 2024-Q3 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Risk
Capitalization:Strong
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.05% of loans.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -11 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↑ +12
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -37
  • Reserves
    ↓ -18

The five pillars

Liquidity

StableQoQ -5
72
Sub-score

Liquidity is stable: brokered 15.2%, loans/deposits 54.7%, cash 1.8% of assets.

Cash / Assets
1.81%
Loans / Deposits
54.67%
Brokered %
15.16%

Watch Items

  • watchCash / Assets below 3% — Cash 1.81% of assets (threshold 3%).

Securities

RiskQoQ +12
21
Sub-score

Securities profile is weak: securities 43.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
43.74%
No watch items at this period.

Capitalization

StrongQoQ 0
89
Sub-score

Capital position is strong: Tier 1 RBC 16.02%, CET1 16.02%, leverage 7.25%.

Tier 1 RBC
16.02%
CET1
16.02%
Leverage
7.25%
No watch items at this period.

Asset Quality

WatchQoQ -37
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.17%, Texas Ratio 13.1%, NCO YTD 3.05%.

Adjusted NPL
2.17%
Govt-guarantees stripped
Texas Ratio
13.1%
NCO YTD
3.05%
30-89 PD
2.16%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.17% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.05% of loans.

Reserves

RiskQoQ -18
3
Sub-score

Reserves are weak: ALLL 0.60% of loans, coverage 27.7%, true coverage 23.9%.

ALLL / Loans
0.60%
Coverage
27.7%
True Loss Coverage
23.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.9% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.60% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:45:09 UTC